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Stanford Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.41%3-year CD36 Month CD
1.85% - Synchrony Bank 36 Month CDAdvertisement
1.26%2-year CD24 Month CD
1.65% - Synchrony Bank 24 Month CDAdvertisement
1.26%2-year IRA24 Month IRA (Traditional, CESA, Roth)
0.85% - National Average
View all Stanford Federal Credit Union rates »

Overview / Commentary
www.sfcu.org
888-723-7328
1860 Embarcadero Rd
Palo Alto, CA 94303-3335

Stanford Federal Credit Union is headquartered in Palo Alto and is the 22nd largest credit union in the state of California. It is also the 102nd largest credit union in the nation. It was established in 1959 and as of March of 2017, it had grown to 187 employees and 61,967 members at 5 locations. Stanford Federal Credit Union's CD rates are 11% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Stanford Federal Credit Union is open to anyone through membership in the Friends of Palo Alto Library or the Museum of American Heritage (membership paid through the credit union). Membership is also open to the following: (1) faculty, students and alumni of Stanford University; (2) employees of Sun Microsystems, City of Palo Alto, Facebook and over 200 area Select Employer Groups.
See current membership details

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Reviews (2)

Excellent local credit union for Stanford-affiliated individuals

Posted by: aychen24 | Oct 14, 2016

Stanford Federal Credit Union (SFCU) has generally exceeded my expectations. I have a checking account there and they do not charge a fee for such accounts, nor do they have monetary minimums below which they will charge a fee. Additionally, they have excellent customer service. In the past when I have had my debit card number compromised, they were very helpful both in accurately spotting the fraud and in giving me a new card very quickly. Additionally, use of ATMs with my credit union debit card is fairly easy, since any major credit union ATM works. I have also deposited money in their CDs before and they usually offer above-market rate interest returns and are very easy to sign up for and to know when the CD time period has expired.

1

Poor Customer Service, Harsh Early Withdrawal Penalty

Posted by: Lookin | Aug 29, 2012

You'd think a credit union located on campus at Stanford would be great.  But no.  Calls go into voicemail, email contacts are generic addresses and you can never seem to get the same person twice.  Staff is frumpy and don't seem to care.   If their app fails, they just shrug it off - try it tomorrow.   Early withdrawal penalty for CDs over $100K is 365 days interest - worst I've seen.  A good CD jumbo rate of 2.1% if your paycheck is deposited there (as of summer 2012).    Campus office is rather busy, so Stanford students and staff are using this credit union, but I don't know why.

6


Health
A

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #13392
Year Chartered1959
Employees187
Primary Regulator
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD10.31%
Annual Interest Income$16.1MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$2.21B$1.97B
LoansQ1 2017vs Q1 2016$1.35B$1.16B
DepositsQ1 2017vs Q1 2016$1.87B$1.65B
Equity CapitalQ1 2017vs Q1 2016$203.9MM$186.3MM
Loan Loss AllowanceQ1 2017vs Q1 2016$8.5MM$8.0MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$626.00K$2.9MM
Real Estate OwnedQ1 2017vs Q1 2016$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Stanford Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$500-Premier Health Savings Account
0.20%$50-Share Savings Account
0.20%--Stanford Savers Account
0.20%$50-Holiday Account
0.20%--IRA Share
0.20%--Health Savings Account
0.20%--Roth IRA Share
0.20%--CESA Share

Stanford Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$50k*$2,500kPremier Market Savings Account - Partner Relationship
OTHER TIERS: 0.30% → $50 - $25k | 0.45% → $25k - $50k
0.50%*$50k*$2,500kPremier Market Savings Account - Ambassador Relationship
OTHER TIERS: 0.30% → $50 - $25k | 0.45% → $25k - $50k
0.40%*$50k*$2,500kPremier Market Savings Account
OTHER TIERS: 0.20% → $50 - $25k | 0.35% → $25k - $50k
0.40%*$50k*-Money Management Account - Partner Relationship
OTHER TIERS: 0.30% → $2,500 - $25k | 0.35% → $25k - $50k
0.40%*$50k*-Money Management Account - Ambassador Relationship
OTHER TIERS: 0.30% → $2,500 - $25k | 0.35% → $25k - $50k
0.30%*$50k*-Money Management Account
OTHER TIERS: 0.20% → $2,500 - $25k | 0.25% → $25k - $50k

Stanford Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%--Premier Checking - Ambassador Relationship
0.10%--Premier Checking
0.10%--Premier Checking - Partner Relationship

Stanford Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%*$100k*-60 Month Premium CD - Partner Relationship
OTHER TIERS: 1.76% → $1k - $10k | 1.82% → $10k - $25k | 2.07% → $25k - $50k | 2.22% → $50k - $100k
2.27%*$100k*-60 Month Premium CD - Ambassador Relationship
OTHER TIERS: 1.76% → $1k - $10k | 1.82% → $10k - $25k | 2.07% → $25k - $50k | 2.22% → $50k - $100k
2.07%*$100k*-60 Month CD
OTHER TIERS: 1.56% → $1k - $10k | 1.61% → $10k - $25k | 1.87% → $25k - $50k | 2.02% → $50k - $100k
1.87%*$100k*-48 Month Premium CD - Partner Relationship
OTHER TIERS: 1.36% → $1k - $10k | 1.41% → $10k - $25k | 1.66% → $25k - $50k | 1.82% → $50k - $100k
1.87%*$100k*-48 Month Premium CD - Ambassador Relationship
OTHER TIERS: 1.36% → $1k - $10k | 1.41% → $10k - $25k | 1.66% → $25k - $50k | 1.82% → $50k - $100k
1.66%*$100k*-48 Month CD
OTHER TIERS: 1.16% → $1k - $10k | 1.21% → $10k - $25k | 1.46% → $25k - $50k | 1.61% → $50k - $100k
1.61%*$100k*-36 Month Premium CD - Partner Relationship
OTHER TIERS: 1.11% → $1k - $10k | 1.16% → $10k - $25k | 1.41% → $25k - $50k | 1.56% → $50k - $100k
1.61%*$100k*-36 Month Premium CD - Ambassador Relationship
OTHER TIERS: 1.11% → $1k - $10k | 1.16% → $10k - $25k | 1.41% → $25k - $50k | 1.56% → $50k - $100k
1.46%*$100k*-24 Month Premium CD - Partner Relationship
OTHER TIERS: 0.95% → $1k - $10k | 1.00% → $10k - $25k | 1.26% → $25k - $50k | 1.41% → $50k - $100k
1.46%*$100k*-24 Month Premium CD - Ambassador Relationship
OTHER TIERS: 0.95% → $1k - $10k | 1.00% → $10k - $25k | 1.26% → $25k - $50k | 1.41% → $50k - $100k
1.41%*$100k*-36 Month CD
OTHER TIERS: 0.90% → $1k - $10k | 0.95% → $10k - $25k | 1.21% → $25k - $50k | 1.36% → $50k - $100k
1.36%*$100k*-18 Month Premium CD - Partner Relationship
OTHER TIERS: 0.85% → $1k - $10k | 0.90% → $10k - $25k | 1.16% → $25k - $50k | 1.31% → $50k - $100k
1.36%*$100k*-18 Month Premium CD - Ambassador Relationship
OTHER TIERS: 0.85% → $1k - $10k | 0.90% → $10k - $25k | 1.16% → $25k - $50k | 1.31% → $50k - $100k
1.26%*$100k*-24 Month CD
OTHER TIERS: 0.75% → $1k - $10k | 0.80% → $10k - $25k | 1.05% → $25k - $50k | 1.21% → $50k - $100k
1.21%*$100k*-12 Month Premium CD - Partner Relationship
OTHER TIERS: 0.70% → $1k - $10k | 0.75% → $10k - $25k | 1.00% → $25k - $50k | 1.16% → $50k - $100k
1.21%*$100k*-12 Month Premium CD - Ambassador Relationship
OTHER TIERS: 0.70% → $1k - $10k | 0.75% → $10k - $25k | 1.00% → $25k - $50k | 1.16% → $50k - $100k
1.16%*$100k*-18 Month CD
OTHER TIERS: 0.65% → $1k - $10k | 0.70% → $10k - $25k | 0.95% → $25k - $50k | 1.11% → $50k - $100k
1.00%*$100k*-12 Month CD
OTHER TIERS: 0.50% → $1k - $10k | 0.55% → $10k - $25k | 0.80% → $25k - $50k | 0.95% → $50k - $100k
0.75%*$100k*-6 Month Premium CD - Partner Relationship
OTHER TIERS: 0.45% → $1k - $10k | 0.50% → $10k - $25k | 0.65% → $25k - $50k | 0.70% → $50k - $100k
0.75%*$100k*-6 Month Premium CD - Ambassador Relationship
OTHER TIERS: 0.45% → $1k - $10k | 0.50% → $10k - $25k | 0.65% → $25k - $50k | 0.70% → $50k - $100k
0.55%*$100k*-6 Month CD
OTHER TIERS: 0.25% → $1k - $10k | 0.30% → $10k - $25k | 0.45% → $25k - $50k | 0.50% → $50k - $100k
0.45%*$100k*-3 Month Premium CD - Partner Relationship
OTHER TIERS: 0.30% → $1k - $25k | 0.35% → $25k - $50k | 0.40% → $50k - $100k
0.45%*$100k*-3 Month Premium CD - Ambassador Relationship
OTHER TIERS: 0.30% → $1k - $25k | 0.35% → $25k - $50k | 0.40% → $50k - $100k
0.25%*$100k*-3 Month CD
OTHER TIERS: 0.10% → $1k - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $100k
0.15%$10k-7 Month Liquid Share CD

Stanford Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.27%*$100k*-60 Month Premium IRA - Partner Relationship
OTHER TIERS: 1.75% → $1k - $10k | 1.82% → $10k - $25k | 2.07% → $25k - $50k | 2.22% → $50k - $100k
2.27%*$100k*-60 Month Premium IRA - Ambassador Relationship
OTHER TIERS: 1.75% → $1k - $10k | 1.82% → $10k - $25k | 2.07% → $25k - $50k | 2.22% → $50k - $100k
2.07%*$100k*-60 Month IRA
OTHER TIERS: 1.56% → $1k - $10k | 1.61% → $10k - $25k | 1.87% → $25k - $50k | 2.02% → $50k - $100k
1.87%*$100k*-48 Month Premium IRA - Partner Relationship
OTHER TIERS: 1.36% → $1k - $10k | 1.41% → $10k - $25k | 1.66% → $25k - $50k | 1.82% → $50k - $100k
1.87%*$100k*-48 Month Premium IRA - Ambassador Relationship
OTHER TIERS: 1.36% → $1k - $10k | 1.41% → $10k - $25k | 1.66% → $25k - $50k | 1.82% → $50k - $100k
1.66%*$100k*-48 Month IRA
OTHER TIERS: 1.16% → $1k - $10k | 1.21% → $10k - $25k | 1.46% → $25k - $50k | 1.61% → $50k - $100k
1.61%*$100k*-36 Month Premium IRA - Partner Relationship
OTHER TIERS: 1.11% → $1k - $10k | 1.16% → $10k - $25k | 1.41% → $25k - $50k | 1.56% → $50k - $100k
1.61%*$100k*-36 Month Premium IRA - Ambassador Relationship
OTHER TIERS: 1.11% → $1k - $10k | 1.16% → $10k - $25k | 1.41% → $25k - $50k | 1.56% → $50k - $100k
1.46%*$100k*-24 Month Premium IRA - Partner Relationship
OTHER TIERS: 0.95% → $1k - $10k | 1.00% → $10k - $25k | 1.26% → $25k - $50k | 1.41% → $50k - $100k
1.46%*$100k*-24 Month Premium IRA - Ambassador Relationship
OTHER TIERS: 0.95% → $1k - $10k | 1.00% → $10k - $25k | 1.26% → $25k - $50k | 1.41% → $50k - $100k
1.41%*$100k*-36 Month IRA
OTHER TIERS: 0.90% → $1k - $10k | 0.95% → $10k - $25k | 1.21% → $25k - $50k | 1.36% → $50k - $100k
1.36%*$100k*-18 Month Premium IRA - Partner Relationship
OTHER TIERS: 0.85% → $1k - $10k | 0.90% → $10k - $25k | 1.16% → $25k - $50k | 1.31% → $50k - $100k
1.36%*$100k*-18 Month Premium IRA - Ambassador Relationship
OTHER TIERS: 0.85% → $1k - $10k | 0.90% → $10k - $25k | 1.16% → $25k - $50k | 1.31% → $50k - $100k
1.26%*$100k*-24 Month IRA
OTHER TIERS: 0.75% → $1k - $10k | 0.80% → $10k - $25k | 1.05% → $25k - $50k | 1.21% → $50k - $100k
1.21%*$100k*-12 Month Premium IRA - Partner Relationship
OTHER TIERS: 0.70% → $1k - $10k | 0.75% → $10k - $25k | 1.00% → $25k - $50k | 1.16% → $50k - $100k
1.21%*$100k*-12 Month Premium IRA - Ambassador Relationship
OTHER TIERS: 0.70% → $1k - $10k | 0.75% → $10k - $25k | 1.00% → $25k - $50k | 1.16% → $50k - $100k
1.16%*$100k*-18 Month IRA
OTHER TIERS: 0.65% → $1k - $10k | 0.70% → $10k - $25k | 0.95% → $25k - $50k | 1.11% → $50k - $100k
1.00%*$100k*-12 Month IRA
OTHER TIERS: 0.50% → $1k - $10k | 0.55% → $10k - $25k | 0.80% → $25k - $50k | 0.95% → $50k - $100k
Locations


Stanford Federal Credit Union Locations
Branch Office1860 Embarcadero RdPalo Alto, CA 94303-3335
Branch Office525 University AvePalo Alto, CA 94301
Branch Office300 Pasteur Dr Stanford, Room HH013Stanford, CA 94305
Branch Office694 Pampas LnStanford, CA 94305
Branch Office459 Lagunita DrStanford, CA 94305